CADAIM
ActiveSummary
CADAIM has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €60,914 and a net result of €35,309. Equity is growing by ~4.5% per year across the filed fiscal years. Its solvency ranks better than 32% of 17220 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability95▲+9
Solvency61▼-15
Growth58▲+6
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,000 at 30 days acceptable
Liquidity tight (current ratio 1.31 against 1.82 in 2024; short-term debt: 63.8% and cash: 16.6% of total assets), and 63.8% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
36.2%
Return on assets
21%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-01-2026, 189 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
189 d early
2024
155 d early
2023
54 d early
2022
129 d early
2021
40 d early
2020
47 d early
2019
53 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 95 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 24 March (4 of the last 5 filed years within 76 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
In the rankings
#6 company by total assets in Fontaine-l'Evêque, Telecoms and IT sector#7 oldest company in Fontaine-l'Evêque, Telecoms and IT sector#9 company by equity in Fontaine-l'Evêque, Telecoms and IT sector
Equity
€60,914▼ 47.3%
2024 · €115,606
Total assets
€168,334▼ 25.7%
2024 · €226,685
Net result
€35,309▲ 14.0%
2024 · €30,959
Working capital
€32,890▼ 60.4%
2024 · €83,074
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€53,527▲ 8.8%€48,071▼ 10.2%€39,332▼ 18.2%€39,480▲ 0.4%€38,239▼ 3.1%
Net result€41,215within the sector's middle half▲ 7.7%€37,397within the sector's middle half▼ 9.3%€30,797within the sector's middle half▼ 17.6%€30,959within the sector's middle half▲ 0.5%€35,309within the sector's middle half▲ 14.0%
Equity€157,629within the sector's middle half▲ 12.6%€171,497above the sector's middle half▲ 8.8%€166,999above the sector's middle half▼ 2.6%€115,606within the sector's middle half▼ 30.8%€60,914within the sector's middle half▼ 47.3%
Total assets€192,510within the sector's middle half▲ 20.9%€242,723within the sector's middle half▲ 26.1%€242,499within the sector's middle half▼ 0.1%€226,685within the sector's middle half▼ 6.5%€168,334within the sector's middle half▼ 25.7%
Debt€34,880▲ 80.9%€71,226▲ 104%€75,499▲ 6.0%€111,079▲ 47.1%€107,419▼ 3.3%
Working capital€155,265above the sector's middle half▲ 18.4%€138,311above the sector's middle half▼ 10.9%€137,182above the sector's middle half▼ 0.8%€83,074within the sector's middle half▼ 39.4%€32,890within the sector's middle half▼ 60.4%
Solvency81.9%above the sector's middle half▼ 6.0pp70.7%within the sector's middle half▼ 11.2pp68.9%within the sector's middle half▼ 1.8pp51.0%within the sector's middle half▼ 17.9pp36.2%within the sector's middle half▼ 14.8pp
Current ratio5.45above the sector's middle half▼ 2.354.58within the sector's middle half▼ 0.873.54within the sector's middle half▼ 1.041.82within the sector's middle half▼ 1.721.31within the sector's middle half▼ 0.52
Return on assets (ROA)21.4%within the sector's middle half▼ 2.6pp15.4%within the sector's middle half▼ 6.0pp12.7%within the sector's middle half▼ 2.7pp13.7%within the sector's middle half▲ 1.0pp21.0%within the sector's middle half▲ 7.3pp
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 3% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €168,334
Fixed assets
€28,024 ▼ 34.1%
Current assets
€140,310 ▼ 23.8%
Equity and liabilities €168,334
Equity
€60,914 ▼ 47.3%
Debt
€107,419 ▼ 3.3%
Debt's share of the balance-sheet total rises from 49.0% to 63.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€52,806▲
2024 · €50,095
Cash flow
€49,876▲
2024 · €41,574
Debt to equity
1.76▲
2024 · 0.96
ROE
58.0%▲
2024 · 26.8%
Interest coverage
47.28▲
2024 · 32.11
Debt ≤ 1 year
€107,419▲
2024 · €101,114
Income taxes
€9,117▲
2024 · €8,096
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,975 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,426 | €3,916 | €14,462 | €10,615 | €14,567 | ▲ 37.2% |
| Other operating charges640/8 | €960 | €1,172 | €535 | €612 | €566 | ▼ 7.4% |
| Gross operating margin9900 | €61,913 | €53,159 | €54,329 | €50,707 | €53,372 | ▲ 5.3% |
| Operating profit (loss)9901 | €53,527 | €48,071 | €39,332 | €39,480 | €38,239 | ▼ 3.1% |
| Financial income75/76B | €508 | €614 | €862 | €1,135 | €7,304 | ▲ 543% |
| Recurring financial income75 | €508 | €614 | €862 | €1,135 | €7,304 | ▲ 543% |
| Financial charges65/66B | €827 | €871 | €1,986 | €1,560 | €1,117 | ▼ 28.4% |
| Recurring financial charges65 | €827 | €871 | €1,986 | €1,560 | €1,117 | ▼ 28.4% |
| Profit (loss) for the period before taxes9903 | €53,207 | €47,815 | €38,208 | €39,056 | €44,426 | ▲ 13.8% |
| Income taxes67/77 | €11,993 | €10,418 | €7,411 | €8,096 | €9,117 | ▲ 12.6% |
| Profit (loss) for the period9904 | €41,215 | €37,397 | €30,797 | €30,959 | €35,309 | ▲ 14.0% |
| Profit (loss) for the period to be appropriated9905 | €41,215 | €37,397 | €30,797 | €30,959 | €35,309 | ▲ 14.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €192,510 | €242,723 | €242,499 | €226,685 | €168,334 | ▼ 25.7% |
| Formation expenses20 | - | - | - | €0 | €0 | - |
| Fixed assets21/28 | €2,364 | €65,782 | €51,319 | €42,497 | €28,024 | ▼ 34.1% |
| Intangible fixed assets21 | - | - | - | €0 | €0 | - |
| Tangible fixed assets22/27 | €2,274 | €65,692 | €51,229 | €42,407 | €27,934 | ▼ 34.1% |
| Land and buildings22 | - | €1,839 | €1,653 | €1,514 | €1,329 | ▼ 12.3% |
| Furniture and vehicles24 | €2,274 | €63,853 | €49,576 | €40,893 | €26,606 | ▼ 34.9% |
| Financial fixed assets28 | €90 | €90 | €90 | €90 | €90 | = |
| Current assets29/58 | €190,145 | €176,941 | €191,179 | €184,188 | €140,310 | ▼ 23.8% |
| Amounts receivable within one year40/41 | €29,768 | €25,833 | €27,154 | €21,323 | €35,733 | ▲ 67.6% |
| Trade receivables40 | €29,768 | €25,821 | €24,412 | €18,900 | €34,485 | ▲ 82.5% |
| Other amounts receivable41 | - | €11 | €2,742 | €2,422 | €1,248 | ▼ 48.5% |
| Current investments50/53 | €41,093 | €41,093 | €41,093 | €111,093 | €76,575 | ▼ 31.1% |
| Cash at bank and in hand54/58 | €119,285 | €110,016 | €122,933 | €51,772 | €28,002 | ▼ 45.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €192,510 | €242,723 | €242,499 | €226,685 | €168,334 | ▼ 25.7% |
| Equity10/15 | €157,629 | €171,497 | €166,999 | €115,606 | €60,914 | ▼ 47.3% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | €1,860 | - | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | - | - | - | - | - |
| Distributable reserves133 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €137,169 | €151,037 | €146,539 | €95,146 | €40,454 | ▼ 57.5% |
| Amounts payable17/49 | €34,880 | €71,226 | €75,499 | €111,079 | €107,419 | ▼ 3.3% |
| Amounts payable after more than one year17 | - | €32,595 | €21,502 | €9,965 | - | - |
| Financial debts170/4 | - | €32,595 | €21,502 | €9,965 | - | - |
| Amounts payable within one year42/48 | €34,880 | €38,631 | €53,997 | €101,114 | €107,419 | ▲ 6.2% |
| Current portion of amounts payable after more than one year42 | - | €10,667 | €11,093 | €11,537 | €9,965 | ▼ 13.6% |
| Trade debts44 | €3,210 | €755 | €433 | €673 | €1,712 | ▲ 154% |
| Suppliers440/4 | €3,210 | €755 | €433 | €673 | €1,712 | ▲ 154% |
| Taxes, remuneration and social security45 | €8,141 | €3,587 | €6,910 | €6,284 | €5,474 | ▼ 12.9% |
| Taxes450/3 | €8,141 | €3,587 | €6,910 | €6,284 | €5,474 | ▼ 12.9% |
| Other amounts payable47/48 | €23,529 | €23,621 | €35,561 | €82,620 | €90,268 | ▲ 9.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €41,215 | €37,397 | €30,797 | €30,959 | €35,309 | ▲ 14.0% |
| + Depreciation and write-downs630 | €7,426 | €3,916 | €14,462 | €10,615 | €14,567 | ▲ 37.2% |
| Operating cash flow (approximation) | €48,641 | €41,313 | €45,259 | €41,574 | €49,876 | ▲ 20.0% |
| Investment in fixed assets (approximation) | - | -€67,333 | €0 | -€1,793 | -€94 | ▲ 94.8% |
| Change in cash | - | -€9,269 | €12,917 | -€71,161 | -€23,771 | ▲ 66.6% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
23-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
07-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €30,797 ▼17.6%
Net result drops to €30,797, the lowest in the series; recovery starts the following year.
24-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €41,215 ▲7.7%
Operating result €53,527, net result €41,215, both a record.
31-12
Financial
Equity above €150,000Eq €157,629 ▲12.6%
4 profitable years in a row build equity to €157,629.
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity doublescurrent ratio 7.80
Current ratio from 3.86 to 7.80; short-term debt falls from €31,245 to €19,284.
08-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €100,000Eq €101,685 ▲48.9%
2 profitable years in a row build equity to €101,685.
14-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 20 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Fontaine-l'Evêque · 1 establishment unit since 2016
Ground area
1,098 m²
Building footprint
103 m²
Volume, LiDAR
851 m³
Parcel 52038A0180/00G002, Wallonia · tallest building 10.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CADAIM
since 20162.259.492.264
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52038A0180/00G002 | Wallonia | 1,098 m² | 1 · 103 m² | 10.5 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
Je Boy Jordan
BE 0770.472.879
Gent · Eq €60,898
IT-SENSE
BE 0685.939.656
Buggenhout · Eq €60,935
FLEXIBLE ROBOTIC SOLUTIONS
BE 0534.835.729
Leuven · Eq €60,964
EPRO DEVELOPMENT
BE 1021.077.230
Schaarbeek · Eq €60,864
Opensource ICT Solutions
BE 1021.717.628
Antwerpen · Eq €60,860
Of 16,915 companies in sector 62100 we hold annual accounts for 8,786. 6,907 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded21-12-2016
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
47400Retail sale of information and communication equipment
62200Computer consultancy and computer facilities management
63910Web portal activities
95100Repair and maintenance of computers and communication equipment
E-invoicing
Reachable via Peppol
Peppol ID
0208:0667924875
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.